How is the annual supervisory fee calculated?

The ECB calculates the annual costs of its supervisory tasks to define the total amount of the annual supervisory fees. The overall costs are then split into two categories:

  • direct supervision - to be levied on significant banks, which are directly supervised by the ECB
  • indirect supervision - to be levied on less significant banks, which are directly supervised by the relevant national supervisors

The decision on the total amount of annual supervisory fees is published by 30 April of each year.

Total annual fees

How much does each bank pay?

The annual supervisory fee for each bank consists of a:

  • minimum fee component
  • variable fee component

Minimum fee component

The minimum fee component is based on a fixed percentage of the total amount of the annual fees for significant and less significant banks.

Minimum fee component
Significant banks

The fixed percentage is 10% of the total amount of annual fees for significant banks and is split equally among the fee debtors in this category.

For smaller significant institutions with total assets of €10 billion or less, the minimum fee component is halved.

Less significant banks

The fixed percentage is 10% of the total amount of annual fees for less significant banks and is split equally among the fee debtors in this category.

What determines the variable fee component?

The variable fee component covers the remaining amount of the fee after the deduction of the minimum fee component.

Each bank pays a share of this amount based on its importance and risk profile. This means that larger and riskier banks pay a higher variable fee component.

Estimate your fee

Supervised banks can estimate their annual supervisory fee by using this published information, together with their own fee factors (total assets and total risk exposure) as provided by fee debtors. The ECB details the fee factors for each supervised bank or group of banks in each fee notice issued.

To estimate their annual fee, the following information is needed:

For the purposes of calculating the fee factors, supervised entities should, as a rule, exclude assets of subsidiaries located in non-participating countries and third countries. Supervised groups may decide to include such assets (e.g. if they consider that the burden of calculating the amounts to be excluded would be greater than the expected reduction in the supervisory fee). In the aggregate average values presented below, such assets are excluded.

Fee factor values (in EUR billions)
reference date 31 December 2015
Significant banks
Less significant banks
Total assets applied 20,233 4,469
Total risk exposure applied 6,773 2,137
Fee factor values of previous years
Fee factor values (in EUR billions)
reference date 31 December 2014
Significant banks
Less significant banks
Total assets applied 20,527 4,669
Total risk exposure applied 6,811 2,219

Please note that, owing to the application of Articles 7 and 10(6) of the ECB Regulation on supervisory fees – dealing respectively with changes in situation (authorisation and status) and the calculation of the annual supervisory fee payable by each fee debtor –, the above information can provide an estimate only. It therefore cannot offer an exact reconciliation with the amount levied by the ECB, as stated in the supervisory fee notice.